CD Rates

Minimum Opening Deposit 1,000.00
Term 12 months
Interest Rate 0.50%
Annual Percentage Yield 0.50%
Annual Percentage Yield is effective as of September 30, 2015.
Rates are subject to change. A penalty may be imposed for early withdrawal.

SGBC Appreciates Our Customers - And It Shows!

South Georgia Banking Company loves our customers - and we aim to prove it!  Join us for our next Customer Appreciation Day so we can show our thanks to YOU for making SGBC great!  


Upcoming Customer Appreciation Days at all branch locations:



Welcome Fall: Friday, September 18th



Georgia Peanut Bank Week:  October 12-16th



Veteran’s Day Reception: Tuesday, November 10th



Christmas Celebration:  Friday, December 18th



As we plan more of these special days throughout the year, we will be sure to alert all of our appreciated customers.  See you soon at one of our locations to celebrate YOU!



A Message from Our Chairman & CEO

As the Chairman and CEO of South Georgia Banking Company, welcome to our website.  If you are seeking a bank, I hope that you will give us the opportunity to know you, serve you and work to tailor the right financial solutions for you.  If you are an existing customer, thank you for your continuing loyalty and support and we hope to serve you for many years to come.

Our mission at the South Georgia Banking Company is to be the bank of choice in the communities we serve and be measured for our dedication to excellence, integrity and service beyond expectations.

We want to be part of your personal and business success.  When you are ready for a better banking relationship, we hope that you will call on us.

G. Pait Willis




Banking Officers


G. Pait Willis
Chairman and
Chief Executive Officer
Melinda J. Moore
Sr. Vice President-Operations   


Charles E. “Woody” Davis       
Sr. Vice President
Tift Ave. Office, Tifton


Glenn P. Willis, Jr.

Chuck Bannister
City President-Moultrie


David D. Keith
City President-Omega

Joy L. Carter
Vice President-
Human Resources

W. Dale McGriff
Executive Vice President-

Chris McCard
City President-Ashburn




Board of Directors

G. Pait Willis, Chairman
CEO South Georgia Banking  

Jonathan E. Jones
Jones Construction Company  

Jones Ponder
Retired Pond-O-Gold, Inc

Grady M. Thompson, Jr.
Bishop Well and Pump
Service, Inc

Willis Collins
Collins Farm

Lamar G. Martin
Retired Asst. Dean UGA
College of  Agricultural and
Environmental Sciences 

Bill Reinhardt
Chief Judge, Superior Courts
Tifton Judicial Circuit

Dr. Joseph M. Turner
Physician, Affinity Health Group 

T. D. Hornbuckle, Sr.
T. M. Hornbuckle, Inc

Doyle M. Medders
Medders Irrigation, LLC

Ford B. Spinks, Sr.
Retired Public Service

Teresa Coarsey Lasseter
Former Administrator,
USDA Farm Service Agency